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Avant Credit Card Review

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Reviews 21,209

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Michael Graw
Michael Graw
May. 03, 20214 min read

Avant Credit Card summary

Avant is an online financial services provider founded in 2012. The company provides access to personal loans, credit cards, and other financial products to help individuals with little to no credit history build their credit. There are no hidden fees and no security deposit required. There is an annual fee of $59, but the Avant Credit Card allows you to build your credit score by making your payments on time.

Pros

  • No security deposit required
  • Available to individuals with little credit history
  • Reports to all three major credit bureaus

Cons

  • Comes with an annual fee
  • No rewards program
Avant Credit Cardat a glance
4.4

Editorial score

Fees

Multiple fees

3.0

Eligibility (credit score)

Accepts all credit types

5.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

5.0

Customer service

Multiple communication options, wide range of hours

4.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

5.0

Avant Credit Card Avant Credit Card Apply Now

Overview

The Avant credit card is designed to help individuals with poor credit or little credit history build up their credit score. There is no security deposit required, and you don’t need a cosigner to apply for the card.

The card offers a credit limit from $300-$3000 to help you more easily pay off your balance each month. In addition, Avant reports your on-time payments to the three major credit bureaus so that your credit can rise over time. 

Suitable for?

The main reason to use the Avant credit card is to build up your credit. If you have little or no credit history or damaged credit, you can use the Avant credit card to establish a history of on-time payments. It can be particularly helpful for individuals who are building their credit for the first time.

The Avant credit card also stands out for how easy it is to manage. You can make payments and review your transactions 24/7 from an online dashboard or the Avant mobile app. There are no hidden fees, and you’re not responsible for unauthorized charges that result from fraud. If you travel, the Avant credit card comes with zero foreign transaction fees.

Interest Rates and Fees

The Avant credit card comes with an annual fee of $59. There are no foreign transaction fees or any other hidden fees. If you are late making a payment, a late fee of up to $39 applies. The credit card comes with an interest rate of 24.99% (variable).

Annual Fee
Foreign Transaction Fee
Late Fee
APR
$59
None
Up to $39
24.99% (variable)

Rewards & Cashback

The Avant credit card doesn’t offer a rewards program or introductory offer at this time. 

The Application Process

You can apply for the Avant credit card online. 

To get started, you’ll need to enter some basic personal information, including your name, address, email, and social security number. You’ll also have to consent to a soft credit check. If you qualify for an Avant credit card, the corresponding annual fee and variable APR will be disclosed at the time of approval. Once you complete the application and accept the offered terms, Avant will mail you your card within 7-10 days.

Help & Support

You can contact Avant’s customer support team by phone or email from 7am-10pm (CT) Monday to Friday or 7am-8pm (CT) Saturday and Sunday. Avant also has a detailed FAQs page where you can find answers to common questions about the credit card.

Phone call hours: 7am-10pm (CT) Monday-Friday; 7am-8pm (CT) Saturday and Sunday.

Security

Avant uses bank-level SSL (Secure Socket Layer) encryption to secure your credit card application. The Avant credit card comes with an EMV chip for transaction security.

You’re not responsible for unauthorized transactions resulting from fraud.

FAQ

Does Avant offer autopay?

Yes, you can set up autopay for your Avant credit card to automatically pay your minimum payment due or your total statement balance each billing cycle.

Can I request a credit increase?

You can request a credit increase through your Avant dashboard after 6 months of use.

What happens if I lose my Avant credit card?

You can call Avant to deactivate your card if it is lost or stolen. You are not responsible for fraudulent charges on your card.

Conclusion

The Avant credit card can help individuals with little or no credit history build up their credit. The card doesn’t require a cosigner or security deposit. You can get a credit line between $300 to $3000 and easily manage your card from the Avant web dashboard or mobile app. Avant branded credit products are issued by WebBank, Member FDIC.

Avant Credit Card Avant Credit Card Apply Now

Methodology

This review is based on the Avant website, online application, and terms sheet for the Avant credit card.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Avant Credit Card
Avant Credit Card
ExcellentReviews 21,209
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Trustpilot reviews

See what some costumers are saying about Avant Credit Card
Avant Credit Card
ExcellentReviews 21,209
on
Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
  • author
    Savhannah Solorzano
    2 hours ago
    This is an awesome credit card

    This is an awesome credit card. I highly recommend getting one. I asked for credit card increase after paying my card off and I got one.

    ...

  • author
    Tina Watson
    7 hours ago
    Avant is the Card for 2022

    I have a Capital one card and have for over 2 years. They declined my $500 credit line increase this weekend. I went online this morning and was approved for a credit line increase with Avant in less than 1 minute!!!! I wish I would have done it sooner. Service is great and I love this card

    ...

  • author
    PATRICIA WALKER SNEAD
    19 hours ago
    Great customer service

    Great customer service, quick deposit of funds

    ...

  • author
    Carlton Gillette
    19 hours ago
    Great service

    Avant works with you and gives you a chance to build your credit. I requested a credit increase and with no problem I got an increase. It literally took 2 minutes. Thank you Avant.

    ...

  • author
    JAMES ODLE
    21 hours ago
    Extremely easy process

    Extremely easy process. Competitive rates and terms.

    ...

  • author
    David
    a day ago
    Thank You!!

    Thank You!!! Great fast service!!!

    ...

  • author
    S.B. Mason III
    a day ago
    The Avant card is a very handy card to…

    The Avant card is a very handy card to travel with. You travel with confidence. Great customer service as well. S.B. Mason III

    ...

  • author
    Mary M
    a day ago
    Very Good

    The response was immediate. Thanks

    ...

  • author
    Shela
    a day ago
    I love this company!♥️♥️

    I love this company!♥️♥️

    ...

  • author
    Jose E
    2 days ago
    Exelent

    quick response and quick deposit

    ...

  • author
    Debra L
    2 days ago
    Process was a pleasure and easy to…

    Process was a pleasure and easy to apply would recommend others. Thank you for the swift approval process 😀

    ...

  • author
    Shameka A
    2 days ago
    I needed to pay’s off my credit cards

    I needed to pay’s off my credit cards. This loan is a credit score saver.

    ...

  • author
    customer
    2 days ago
    Helpful

    Helpful, very courteous and patient and money came right on time

    ...

  • author
    Denise C
    2 days ago
    Easy and painless

    Loan application was easy and all done virtually.

    ...

  • author
    Lee E
    2 days ago
    Very informative and quick results!

    Very informative and quick results!

    ...

  • author
    Erika Tovar
    2 days ago
    Son unos estafadores avan y rokquet

    Son unos estafadores avan y rokquet Piden el 3%del préstamo para q lo deposites y luego te salen que tú tarjeta o cuenta que das para que te liberen tu préstamo. Es incorrecta y que se congelo tu préstamo y tienes qué depositar más para descongelar tu préstamo. Son unos rateros x favor no utilicen está plataformas

    ...

  • author
    Joseph Bauer
    2 days ago
    EXCELLENT company

    EXCELLENT company. Valuable service provided always.

    ...

  • author
    Barbara O
    2 days ago
    Good loan experience overall

    I found the process to be very effective everybody was helpful and I was able to submit my pay statements and bank statements without any problems and they got back to me in a timely fashion it was great doing business with the company appreciate them very much thank you

    ...

  • author
    Chapple Kilgore
    3 days ago
    Outstanding card with no issues (card…

    Outstanding card with no issues (card member over a 1yr.). Great for building and improving credit.

    ...

  • author
    Tam
    3 days ago
    Great service

    Great service

    ...

  • author
    Sidney S
    3 days ago
    Very helpful I bless to have y’all on…

    Very helpful I bless to have y’all on my team

    ...

  • author
    DIONDRA RICHARDSON
    3 days ago
    They are great

    They are great. I like everything about them. The credit process was simple and easy.

    ...

  • author
    Charles F.
    3 days ago
    Avants online process was very smooth

    Avants online process was very smooth. The loan terms were by far better than any others I found. Thanks

    ...

  • author
    Bob J
    3 days ago
    I have used avant before this company…the best

    I have used avant before this company is the most a some I have ever delt with I would recommend them to everyone hands down the best

    ...

  • author
    Asia Hamilton Medford
    3 days ago
    I truly appreciate everything going so…

    I truly appreciate everything going so fast and so smoothly thank you so much so all the staff at Avant credit card company

    ...

  • author
    Joyce Richway
    3 days ago
    So far everything is pretty self…

    So far everything is pretty self explanatory. I know if i have problems all i need do is call or get online with them

    ...

  • author
    Joseph M
    3 days ago
    User friendly

    Their app is simple, straight to the point and it’s central easily helps you locate between credit card and loan status

    ...

  • author
    JOSEPH DELIA
    3 days ago
    Very fast and simple

    Very fast and simple. I was approved in a day and money was deposited on my account the next day!

    ...

  • author
    Franklin Bass
    3 days ago
    I couldn't enter my code in.

    I tried several times to enter my personal offer code with no results.

    ...

  • author
    Maria Flores
    3 days ago
    Applied for Avant Credit Card back in…

    Applied for Avant Credit Card back in Nov.2021 approval in seconds it hasn't been 1 year and already got a Credit increase... Great Card you can use anywhere plus low monthly payments.... Try It.... You will be very pleased.😁😁😁

    ...

  • author
    Larry in San Antonio, TX
    3 days ago
    Very professional service with…

    Very professional service with expedient processing.

    ...

  • author
    A C
    3 days ago
    Quick and easy process they take their…

    Quick and easy process they take their time to answer your questions

    ...

  • author
    John V
    3 days ago
    I am very happy with your business.

    I am very happy with your business.

    ...

  • author
    Timothy Smith
    3 days ago
    Avant is very helpful

    Was looking to maybe get a loan to pay off some of my credit cards and consolidate my bills. But my credit score is low and have bad credit. But Avant still gave me a loan at a good rate and a decent monthly payment. Thanks Avant

    ...

  • author
    Amanda G
    3 days ago
    I've been looking to obtain an…

    I've been looking to obtain an unsecured loan with a lower interest rate so that I could pay off the secured loan that I've been paying on for several years at a much higher interest rate, it was fast and easy to complete their questions, it took me maybe 10-15 minutes from beginning to end and reading all the small print, they said I was approved, it was late Thursday night and the money was direct deposited into my account early Monday morning, everything was online, I didn't have to speak to a single person. Thank you Avant for making my life alot simpler.

    ...

  • author
    Marcia Wade
    4 hours ago
    I JUST NEEDED MORE

    .A PERSON WHO NEEDS A LOAN WANTS TO BRING ACCOUNTS DOWN. I ASKED FOR 3000 I GOT 1500 WHICH THE 3000 WOULD OF HELPED ME.I do understand and I thank you for the loan I JUST NEEDED THE AMOUNT I ASKED FOR

    ...

  • author
    Demetria W
    3 days ago
    Quick and hassle free process.

    Quick and hassle free process.

    ...

  • author
    Fredrick F
    3 days ago
    Excellent service

    Excellent service

    ...

  • author
    Jose L
    3 days ago
    Thank you for helping me you guys are…

    Thank you for helping me you guys are great ... JOE LUNA ..... EL PASO, TEXAS

    ...

  • author
    Delton D
    3 days ago
    Very thankful for all your services and…

    Very thankful for all your services and excellent responses. Thank you very much

    ...

  • author
    Buenaventura N
    3 days ago
    Excel[en

    Excellen when I need them they are there for help

    ...

  • author
    Marshall Rieff
    4 days ago
    I honestly thought I would get the 300…

    I honestly thought I would get the 300 dollar limit. I was surprised I got 1500 and no annual fee. If your score is 600 or above I highly recommend this card!!

    ...

  • author
    F.N
    4 days ago
    Loan

    Very fast and easy

    ...

  • author
    Judith B
    4 days ago
    Good credit helper

    I'm still fairly new to the Avant family but so far I have had nothing but a positive experience. The app is easy to use. I have a credit card account and they have offered me a small personal loan to help build my credit. Both have been very helpful to improve my credit score. I have nothing but good to say.

    ...

  • author
    Wids M Derisma
    May 12, 2022
    Phenomenal place to get a loan

    Phenomenal place to get a loan. The process was low maintenance, quick, easy, intuitive, and fast. I will be using them again for all my loans!!!

    ...

  • author
    Cori Young
    May 12, 2022
    Very user friendly process and easy to…

    Very user friendly process and easy to apply. Was able to set up automatic payments to be withdrawn from my account which makes it even easier. Thank you.

    ...

  • author
    Carlos
    May 12, 2022
    Super simple

    Is just amazing how easy it is to apply, simple questions and quick. I will recommend this to anyone.

    ...

  • author
    Maureen Cerbone
    May 12, 2022
    Quick efficient service

    Quick efficient service

    ...

  • author
    customer
    May 12, 2022
    I’ve just been approved for another…

    I’ve just been approved for another credit like increase. It proves that pay your bill on time and they will you credit increase’s. 😁

    ...

  • author
    Joel F
    May 12, 2022
    Great opportunity to Build credit and…

    Great opportunity to Build credit and easy to qualify.

    ...

  • author
    genevieve
    May 12, 2022
    Avant was a quick and easy loan…

    Avant was a quick and easy loan process. After this loan is paid, they will be my go to company and I recommend them to everyone who needs a loan.

    ...

  • author
    Bruce D
    May 12, 2022
    Always an easy process and quick…

    Always an easy process and quick response.

    ...

  • author
    Delores W
    May 12, 2022
    Great Company

    Applying for a loan was very easy. The process is great and self explanatory. The I’m-line process is the best I have experienced. Great company!

    ...

  • author
    James F
    May 12, 2022
    EVERYTHING WAS GOOD I FILLED OUT QUICK…

    EVERYTHING WAS GOOD I FILLED OUT QUICK APPLICATION AND WITHIN Couple HOURS I WAS APPROVED AND 2 DAYS LATER MONEY WAS IN MY ACCOUNT.

    ...

  • author
    Patrick L
    May 12, 2022
    Slow, but eventually got a loan

    Be warned that the process will be extremely slow, and if you call the support line for help, you'll get a scripted answer of "check your dashboard." It was super frustrating getting the debt consolidation loan from them, but, in the end it's what we needed to help us in the long run. I submitted my app on a Wednesday and didn't see my money until the following Thursday. I was directed to them from Lendingtree, and when I filled out the info at Lendingtree I indicated the money was needed within 48 hours. This was obviously WAY over 48 hours, so I had to borrow some money for a few days in the meantime. Luckily, I had that option. Others may not. I haven't made a payment yet, or had to deal with them in regard to any issues so I can't comment on any of that. Right now, I can say that I will not be looking to them again for any future loans I may need.

    ...

  • author
    Anna
    May 11, 2022
    Awesome Service!

    Awesome service, very straightforward

    ...

  • author
    DGls
    May 11, 2022
    The loan acceptance process is quick

    The loan acceptance process is quick, and the money came through within the next business day. Only issue for me is payments according to the website you can setup auto payment which is on automatically or send a check through mail. More freedom on when I would like to pay would be nice and to be able to do it through the website will be a big step up for this company.

    ...

  • author
    Cesar P
    May 11, 2022
    Great customer service 💯👍👍👍

    Great customer service 💯👍👍👍

    ...

  • author
    Mark Lemons Lemski
    May 11, 2022
    Nice!!

    Very trusting and understanding. Wonderfully easy to use the app. 😁

    ...

  • author
    customer
    May 11, 2022
    Man I love this card and they gave me a…

    Man I love this card and they gave me a best fasttttttt

    ...

  • author
    Nora Hoffert
    May 11, 2022
    This was the easiest loan ever!

    This was the easiest, fastest loan I have ever done! I didn't need to speak to anyone and it took less than 24 hours for the money. Was in my account! I will always recommend Avante to everyone I know. Thanks again, Nora Hoffert

    ...

  • author
    Aneisha S
    May 11, 2022
    Awesome quick and fast approval!!

    Awesome quick and fast approval!!

    ...

  • author
    Mustafaa E
    May 11, 2022
    After some initial miscommunication…

    After some initial miscommunication issues, customer service was professional in there assisting with my needs.

    ...

  • author
    customer
    May 11, 2022
    This was fast and easy

    This was fast and easy

    ...

  • author
    Regina
    May 11, 2022
    So I found avant website extremely…

    So I found the Avant website extremely user friendly and the process quite easy to navigate. I had support through telephonic agents that were truly helpful and prompted me concerning what was needed to complete my loan request. Total time from initial request to funds transmitted was about 1 week. Hoping for faster turnaround time but I took a couple extra days to get needed documents.

    ...

  • author
    Tondalaya M
    May 11, 2022
    Avant so far has been great for me!

    Avant so far has been great for me!

    ...

  • author
    JODY
    May 11, 2022
    Very easy

    Very easy Xxxxxxooopooooo

    ...

  • author
    Daniel H
    May 10, 2022
    I had an issue with my bank not being…

    I had an issue with my bank not being listed for a loan, i called and the customer service rep got my issue resolved quickly and painlessly! Such a great help!

    ...

  • author
    David T
    May 10, 2022
    The transaction went smooth and fast

    The transaction went smooth and fast

    ...

  • author
    Alonzo W
    May 10, 2022
    Everything was excellent

    Everything was excellent

    ...

  • author
    dana
    May 10, 2022
    Avant is helping me build my credit amd…

    Avant is helping me build my credit amd is a great place to help you believe in yourself by given ypu a second hand.

    ...

  • author
    Penny P
    May 10, 2022
    So far everything has been great

    So far everything has been great! I needed a small loan for a car repair.everything has went very smooth. THANK YOU!

    ...

  • author
    James
    May 10, 2022
    Quick service and friendly staff

    Quick service and friendly staff. Thanks Avant!

    ...

  • author
    Jose H
    May 10, 2022
    Applying for Avant was easy

    Applying for Avant was easy. Base on my credit I gat the money I needed. The only bad thing I do have to say is that their APR is too high. Other than that, Thanks Avant for making it happened.

    ...

  • author
    Heather Schlueter
    May 10, 2022
    Great service and easy steps to apply

    Great service and easy steps to apply. Thank you so much!

    ...

  • author
    Wanda Johnson
    May 10, 2022
    Professional Service

    I requested a loan from Avant and received the best professional service that anyone can experience. The customer service personnel people were very friendly and helpful to me. I did not have to wait and continue to call about the status of my request. Any information that was needed from me, I was immediately contacted. I also appreciate how comfortable they made me feel during the request procedure. Thank you.

    ...

  • author
    Bruce D
    May 10, 2022
    Made the loan very simple and straight…

    Made the loan very simple and straight forward, money was in the bank the next day. I would recommend them.

    ...

  • author
    Jairo M
    May 10, 2022
    Excelente

    Excelente muy bueno lo recomiendo

    ...

  • author
    Yadira P
    May 10, 2022
    Nice supe contenta

    Nice supe contenta

    ...

  • author
    Yolonda C
    May 10, 2022
    I am very disappointed with my…

    I am very disappointed with my experience with Avant. I am a loyal customer who already have a credit card account in my which all of my payments are on time. I applied for a loan,was approved,and all because I updated my bank information,they took the approval back. I was already given a repayment plan and everything. Yes they told me that NOW my loan was denied due to that reason. My issue is that the account number they had on file was incorrect.

    ...

  • author
    Gerri
    May 10, 2022
    Great and fast service

    Great and fast service

    ...

  • author
    Recent Client
    May 10, 2022
    Rates are higher than Competitors

    Rates are higher than Competitors. Almost 5% higher than upstart. I will refinance.

    ...

  • author
    Sandra Lares
    May 10, 2022
    Avant my first loan as entrepreneur

    Hi, I'm very thankful to Avant, after doing a search of different companies loans to start my business, Avant was easy to apply for and surprisingly fast to answer, now I'm ready to start my business .

    ...

  • author
    Todd Cousett
    May 10, 2022
    Great

    Great. I am very plead.

    ...

  • author
    bsanders
    May 10, 2022
    Fast response for instant credit limit increase

    After having my Avant card for around 3 years I never missed a payment. When I needed to increase my credit limit due to car repairs I requested an increase in my limit. It was instantly approved and available! Stress free & fast.

    ...

  • author
    Tony H
    May 09, 2022
    Very fast and with getting you the loan…

    Very fast and with getting you the loan you need.

    ...

  • author
    Joseph B
    May 09, 2022
    Truly a blessing to have Avant…

    Truly a blessing to have Avant Mastercard!

    ...

  • author
    Anna B
    May 09, 2022
    Avant is an extraordinary company to…

    Avant is an extraordinary company to deal with. Thanks Avant!

    ...

  • author
    Anthony G
    May 09, 2022
    Thank you

    I haven’t really even made a payment yet I just got the loan but I appreciate the approval ❤️

    ...

  • author
    Susan
    May 09, 2022
    Everything about the application…

    Everything about the application process from start to finish was amazing. I think the whole process took about 30 minutes from starting to the approval. Money was in my account the next day.

    ...

  • author
    Pasong K
    May 09, 2022
    These guys are a great lender

    These guys are a great lender! They give you fair market rates, and if you pay it off early, they knock off those pesky interest rate fees and make returning customer lending a breeze! Take my word for it… I am a 110% satisfied customer! That’s what a banking relationship is all about… trust! I plan on doing business with avant- for any foreseeable futur moving forward! Thank you avant- lending for putting your faith in me.

    ...

  • author
    Angela A
    May 09, 2022
    Fast approval

    Fast approval! Money was deposited in my account within 2 days

    ...

  • author
    JL
    May 09, 2022
    Great Company!

    Great service, easy to understand and wonderful customer service!

    ...

  • author
    Babs P
    May 09, 2022
    Borrowing from Avant is a simple…

    Borrowing from Avant is a simple process, their dashboard is easy to use and they are quick to satisfy any needs you have. I appreciate the team at Avant! Thank you!

    ...

  • author
    Charles Q
    May 09, 2022
    The process was fast and easy

    The process was fast and easy. Received the money fairly fast 1and a half days after getting the approval.

    ...

  • author
    Rahman C
    May 09, 2022
    they took a chance on me once again…

    they took a chance on me once again very much appreciate it

    ...

  • author
    Yailin R
    May 09, 2022
    Easy to use!

    It was super easy to get approved.

    ...

  • author
    Tamara W
    May 09, 2022
    The process was quick and straight to…

    The process was quick and straight to the point no hidden rates or fees. I really like that. I am very satisfied.

    ...

  • author
    Rita P
    May 08, 2022
    I have been in need of these funds

    I have been in need of these funds. This is a blessing. I thank you for trusting me .

    ...

  • author
    Doreen
    May 08, 2022
    Great company

    Avant is a wonderful company. Process is so easy. Great customer service, too

    ...

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